Compare quotes for your home in 07423! Compare the best 12 carriers in minutes.
Homeowners Insurance in 07423
In Ho Ho Kus, NJ, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 07423 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New Jersey licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 07423 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 07423 should appear in the zip code field ready to go.
07423 Homeowners Insurance Rates Are Considered: High!
If your looking for a standard homeowners policy in New Jersey, you are going to see rates around the average home insurance premium per year of $950. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Ho Ho Kus home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.
Get 07423 Home Insurance Rates Now!
Best 3 Options to Compare in 07423
If you want homeowners insurance quotes within the city of Ho Ho Kus or in the 07423 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Ho Ho Kus, NJ.
07423 Home Insurance Average Premiums
$700 /yr.
Shows Zip Code: 07423 lowest rates with discounts applied on average.
For the 07423, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $700 /yr. |
| Average Coverage: | $950 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1250 /yr. |
What is the average home insurance cost for a home in 07423?
- • The average homeowners insurance premium paid annually for a home in 07423 is around $950 per year.
What does it cost on average per month for home insurance in 07423?
- • Homeowners in 07423 pay a monthly average cost per month around $79.00.
What kind of discount could I get if I combine my home and auto insurance together in 07423?
- • Autoowners in 07423 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Ho Ho Kus area, check out other zip codes nearby 07423.
Review average rates in another zip code:
07423 homeowners insurance rates
Home Replacement Cost Coverage in 07423
Average Building Cost Per Square Foot in 07423: $193
Location: Ho Ho Kus, New Jersey (Bergen County)Average Square Footage in 07423: 4,224 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 07423 before you start any project. Ho Ho Kus homeowners pay on average around $193 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 07423 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 07423 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,224 sq. ft. and the average cost to rebuild the home in this area is around $193 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Ho Ho Kus area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $193 | 4,224 | $815,200 |
| Additional Upgrades & Added Features | $241 | 4,224 | $1,019,000 |
| Major Home Updates or Advancements | $290 | 4,224 | $1,222,800 |
It's important to understand that when you estimate your replacement cost of your home in the 07423 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 07423
Best Home & Auto Insurance Agencies in 07423
Housing Demographics for 07423
Population Review for 07423 Zip Code
For the city of Ho Ho Kus, the population within 07423 has increased to over 4,412 residents in population size. The current population total is 4,258. We have broken down the population based on race below. In 07423, there are over 2131 in male population and 2127 females.
| Population | Values |
|---|---|
| Total Population | 4,258 |
| White Population | 3543 |
| Black Population | 28 |
| Hispanic Population | 302 |
| Asian Population | 326 |
| Hawaiian Population | 3 |
| Indian Population | 1 |
| Other Population | 56 |
| Male Population | 2131 |
| Female Population | 2127 |
| Population Estimate | 4412 |
Household Data for 07423
The average number of homes in 07423 is around 1,416, there are an average of 3.01 per household. The average house value according to local real estate values is around $815,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,416 |
| Persons Per Household | 3.01 |
| Average House Value | $815,200 |
| Income Per Household | $244493 |
| Median Age | 43.7 |
| Median Age Male | 42.1 |
| Median Age Female | 45.1 |
| 07423 Details | Values |
|---|---|
| State | NJ |
| State Full Name | New Jersey |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 201/551 |
| City | Ho Ho Kus |
| City Alias Name | HO HO KUS |
| County | Bergen |
| County FIPS | 003 |
| State FIPS | 34 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 5602 |
| PMSA | 0875 |
| CSA | 408 |
| CBSA | 35620 |
| CBSA_DIV | 35614 |
| CBSA_Type | Metro |
| CBSA_Name | New York-Newark-Jersey City, NY-NJ |
| MSA_Name | New York-Northern New Jersey-Long Island, NY-NJ-CT-PA |
| PMSA_Name | Bergen-Passaic, NJ PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 140 |
| Number Of Employees | 889 |
| Business First Quarter Payroll | 10478 |
| Business Annual Payroll | 51873 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 18897109 |
| CBSA Division Population | 11576251 |
| Congressional District | 05 |
| Congressional LandArea | 991.3 |
| Delivery Residential | 1466 |
| Delivery Business | 166 |
| Delivery Total | 1773 |
| Preferred Last Line Key | V10651 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | New York-Jersey City-White Plains, NY-NJ |
| City State Key | V10651 |
| Land Area | 1.739000 |
| Water Area | 0.011000 |
| City Alias Code | |
| City Mixed Case | Ho Ho Kus |
| City Alias Mixed Case | Ho Ho Kus |
| Box Count | 50 |
| SFDU | 1449 |
| MFDU | 0 |
| State ANSI | 34 |
| County ANSI | 003 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 333690 |
| Unique ZIP Name | |
| SSA State County Code | 31100 |
| Medicare CBSA Code | 35614 |
| Medicare CBSA Name | New York-Jersey City-White Plains, NY-NJ |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Bergen |
New Jersey Homeowners Insurance News & Information
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Buy Flood Insurance: What we learned from Hurricane Ida Posted on Monday 20th September, 2021
On September 2, 2021, Parked cars in New Brunswick, New Jersey submerged underwater after Tropical Storm Ida. Hurricane Ida struck Louisiana as a category 4 hurricane with 150 mile an hour winds and days later hit New Jersey, New York, and other states with a massive amount of rain that has caused numerous flash floods, […]
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FEMA’s new rating system is called “Risk Rating 2.0,” effective October 1st, 2021 Posted on Wednesday 28th April, 2021
A recent report by ValuePenguin looked at the new risk ratings that the Federal Emergency Management Agency’s (FEMA) will be using when determining premiums for flood insurance in the National Flood Insurance Program (NFIP). The report found that millions of homeowners could see noticeable increases in flood insurance costs. FEMA’s new rating system is called […]